handle the checkout so we can work on that thing that's stuck in the thing. [ female announcer ] today, cisco is connecting the internet of everything. so everyone goes home happy. >>> >>> with historically low interest rates and easy access to capital, bankruptcy filings are down 12% this quarter compared to last year. alex partners is an advisory that specializes in corporate turn around and restructuring and fred crawford is the firm's ceo in -- okay, so year-over-year, what about last year versus the prior year? was that down, as well? >> it was, you remember in the '08/'09 financial crisis, we saw credit markets froze up. since then, with the fed's policies along with very accommodative interest rates and lending policies, we've seen really historical low restructurings for the last three or four years. >> if you have declared bankruptcy with the fed at zero and with all of this accommodation, you should probably get out of the business of managing -- of trying to start a business. if you can't start a successful business in the last couple of years, you've got problems, right? >> for su